Terms of Use

Please read these Terms of Use carefully. By using this website, you agree to these conditions. If you do not agree, please immediately discontinue accessing this website. These Terms of Use and their conditions oversee the use of this entire website.

Accessibility

You agree and acknowledge that you are solely responsible and that you maintain liability for your use of this website. You agree to provide and maintain all electrical power, telecommunications and Internet services, hardware and software, and all products necessary for you to access and use this website.

Due to maintenance requirements, or malfunctions of software, equipment, or telecommunications devices, or unusual transaction volume, or similar reasons, the website may occasionally not be available for your use. We strive to minimize the time during which the website is unavailable. You agree that we shall not be responsible for any loss, damages, costs, or expenses which you may incur, directly or indirectly, as a result of the unavailability of the website. We are not responsible even if it could be shown that we could have prevented or reduced the duration of unavailability by taking any action within our reasonable control. We shall not be responsible for any loss, damages, or expenses which you may incur, directly or indirectly, as a result of your inability to access the website caused directly or indirectly, in whole or in part, by your computer or mobile device, or by your inability to establish a connection to the Internet, your Internet Service Provider, or capacity or other limitations of the Internet.

We may terminate these Terms of Use and your access to the website in whole or in part, with or without cause, at any time without prior notice to you. In the event we terminate this Terms of Use, any applications you have submitted will continue to be evaluated, and any existing transactions you have entered into with us shall remain in effect.

The website is not intended for use by persons in any location where such use would be contrary to applicable laws or regulations. You are responsible for compliance with all local laws. We may restrict your access to the website during times you are in a country for which use of the website would be prohibited.

To protect the security of your information, we may require you to authenticate your identity in order to conduct certain transactions on this website. It is a good idea to protect your security by always closing your web browser after leaving the website. If you believe that information you have submitted through the website has been used without your permission, you must tell us immediately. Emailing us is the best way of keeping your possible losses to a minimum. Email us at hello@selfi.com to report unauthorized access. If you fail to notify us, you may be liable for all unauthorized activity on your account.

Information

This website is designed to provide general information about our products and services. Your eligibility for selected products and services is subject to our final determination, restrictions, and acceptance. We may change or discontinue the information, products, licenses, or services described on this website at any time. Any dated information is published as of its publication date only and we do not assume any obligation or responsibility to update or amend such information. We reserve the right to terminate any or all offerings without prior notice. The information, products, or services offered on this website is not a solicitation to any person to use such information, products, or services in jurisdictions where the provisions are prohibited by law.

For your convenience, this website may contain links to third-party websites, which we do not own or control. Providing a link to a website does not mean we endorse, authorize, or sponsor that third-party website, or that we are affiliated with the third-party website’s owners or sponsors. We reserve the right to terminate a link to a third-party website at any time. If you visit a link to another website, you do so at your own risk subject to the terms and conditions established by the provider of that website.

We strive to provide accurate and timely information on this website. However there may be inadvertent technical or factual inaccuracies and typographical errors. Therefore we cannot guarantee the accuracy, completeness, or timeliness of the information, text, graphics, links, or other items on this website.

Commercial use of this website or its content is prohibited. You may print a copy of the information contained on this website only for your personal use. This right may be revoked at any time.

The content offered on this website, including but not limited to music, images, icons, text, software, logos, expressions, and ideas, is copyrighted and protected by U.S. and worldwide copyright laws. The content offered on this website is also protected by trademark and patent laws, privacy and publicity laws, and all communication regulations and statutes. You are not allowed to post on or transmit to or from this website any unlawful, threatening, libelous, defamatory, obscene, scandalous, inflammatory, pornographic, immoral, or profane material, or any other content that could give rise to any civil or criminal liability.

Communications

When you visit SELFi.com or send emails to us, you are communicating with us electronically and you consent to receive communications from us electronically to the extent permissible by law. We will communicate with you by email or by posting notices on this website. You agree that all electronic communications that we provide to you, agreements, notices, disclosures and other communications, satisfy any legal requirement that such communications be in writing to the extent permissible by law. You agree that we may send emails to you for the purpose of advising you of changes or additions to this website, about any of our products or services, or for other purposes we deem appropriate as permissible by law.

SMS Account Notifications

By providing us with your telephone contact information, you have consented in writing to receive text messages (also known as SMS communications or SMS account notifications) from us. “SMS account notifications” refers to any communications pertaining to your account or loan transaction sent to the phone number provided, including but not limited to application processing status, account or loan information, information or document requests, due dates, delinquent accounts, program updates, and closings. When consenting to messaging notifications, you authorize SELFi, our assigns, successors or servicing agents to send SMS notifications to any phone number provided to us, our assigns, successors or service agents in connection with your account, application, loan, and closing.

All SMS account notifications in electronic format from us to you will be considered “in writing.”
How to unsubscribe: You may withdraw your consent to receive SMS account notifications by replying with “Unsubscribe,” “Stop,” “Cancel,” “Quit,” or “End” or by calling or texting us at 415-722-7741 or emailing us at hello@selfi.com. An invalid mobile phone number or the malfunction of a previously valid mobile phone will be considered as a withdrawal of your consent to receive SMS account notifications. Any withdrawal of your consent to use SMS account notifications will be effective only after we have a reasonable period of time to process your withdrawal.

To request additional information, contact us by telephone at 415-722-7741. In order to access, view, and retain SMS account notifications that we make available to you, you must have: 1) A mobile phone capable of sending and receiving texts. 2) Sufficient storage capacity on your mobile phone. 3) An active mobile phone account with a communication service provider.

There is no service fee for SMS account notifications but you are responsible for any and all charges, including but not limited to fees associated with text messaging, imposed by your communications service provider. These charges will appear on your phone bill. Consult your mobile service provider to determine the charges for sending and receiving text messages. Message frequency depends on account status or settings. We may modify or terminate our text messaging services from time to time, for any reason and without notice, including the right to terminate text messaging with or without notice, without liability to you.

Security

By using or accessing this website you agree not to take any action that intends the following: 1) Access data not intended for you or obtain the identity of or personal information about or invade the privacy of any SELFi user or client. 2) Test, probe, or scan the vulnerability of this website or the SELFi network or breach security or authentication measures. 3) Attempt to interfere with service to any user, host, or network or otherwise attempt to disrupt our business, including but not limited to, submitting a virus to this website, “overloading,” “crashing,” “flooding,” “spamming,” or “mail bombing” this website. 4) Sending unsolicited mail, including promotions or advertisement of products and services. Violations of system or network security may result in civil or criminal liability.

Credit

As part of your application for credit and subsequently in connection with any extension of credit, update, renewal, review or collection of your account or for any other lawful purpose, we may request consumer reports on you. Upon your request, we will inform you of the name and address of any consumer-reporting agency from which we obtain your consumer report.

You are allowed to receive one free credit report under the Fair Credit Reporting Act from each of the three U.S. national credit reporting agencies (Experian, Equifax, and TransUnion) during any twelve-month period. You may also be able to receive free credit reports as permitted by state law (you may contact your state or local consumer protection agency or state attorney general to learn more about your rights under state law). For information on obtaining a free credit report from Experian, Equifax or TransUnion you may contact them directly at www.experian.com, www.equifax.com, and www.transunion.com.

Employment Verification

By providing us with your employment information you are providing written consent permitting us to contact third parties as necessary to verify your income and employment.

Limitations of Liability

The information on this website is without warranties of any kind, either expressed or implied, including but not limited to implied warranties of merchantability and fitness for a particular purpose.

We shall not be liable for any damages, direct or indirect, incidental or consequential, that may arise in connection with this website or from any information provided by this website. We shall not be liable for any damages, direct or indirect, incidental or consequential, arising from your use or inability to use this website or in connection with any failure of performance, error, omission, interruption, defect, delay operation or transmission or computer virus or system or line failure. We shall not be liable for any damages, direct or indirect, incidental or consequential, arising from disclosure of information when communicating by email or other electronic means, even if we are advised of the possibility of such damages. In jurisdictions that do not allow the exclusion or limitation of liability for consequential or incidental damages, our liability is limited to the greatest extent permitted by law.

We shall not be liable and assume to responsibility for any viruses that may infect or damage your computer equipment or other property as a result of your accessing or using this website or of your downloading of materials, including but not limited to text, data, images, video, or audio information from this website or the web. We do not represent or warrant that your use of materials on this website will not infringe the rights of third parties not owned or affiliated with us.

You agree to indemnify, holding us harmless from any and all claims, expenses, demands, losses or liabilities, including attorneys’ fees and costs, incurred by us in connection with any third party claim by, including any intellectual property claim, arising out of your use of the website in violation of these Terms of Use or in violation of any applicable law. In addition, you agree to cooperate fully in the defense of any such claims. We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, and you shall not in any event settle any such claim or matter without our written consent.

Other Terms & Conditions

These Terms of Use are under all laws of the United States and the State of Deleware. No failure, omission, or delay on our part to exercise any right under these Terms of Use will preclude any other further exercise of that right or other right under these Terms of Use.

If any terms in these Terms of Use change due to applicable law or are declared invalid by order of a court, the remaining terms of these Terms of Use will not be affected, and these Terms of Use will be interpreted as if the invalid terms had not been placed in these Terms of Use.

You agree that we may from time to time amend all or any part of these Terms of Use, including, without limitation, establishing, increasing or decreasing fees and charges for products and services made available through this website and changing the features and functionality to this website. We will notify you electronically of any change to these Terms of Use as required by applicable law. Your use of the website after the effective date of the change shall constitute your agreement to be bound by the terms of the change. You should review these Terms of Use periodically for any changes.

Quicken Loans Lower Rate Guarantee Terms and Conditions:1. “Lower APR” means the annual percentage rate, which considers the interest rate in addition to the cost of credit.
2. Offer is only valid in the states SELFi is licensed in.
3. Offer is only valid on loan products that Quicken Loans offers both in its retail and wholesale channel.
4. To submit an offer, borrower must (1) provide Loan Estimate from Quicken Loans retail channel to hello@SELFi.com (2) Borrower must apply with SELFi Mortgage Coach Joseph Flannery within 2 business days of the Loan Estimate being issued by Quicken Loans retail. (3) if the Loan Estimate from Quicken Loans through SELFi is not at a lower interest rate at the same or reduced costs, or the same interest rate at lower closing costs, the borrower can claim offer.
5. To claim offer, borrower must (1) fund their loan with Quicken Loans retail. (2) Present closing disclosure and final note from funded loan within 15 days of funding. SELFi will then write a check made out to the borrower for the amount of their monthly principal and interest payment.
6. SELFi reserves the right to rescind or modify the terms of this offer without prior notice.